You Asked for Progressive SR-22 — Florida Requires FR-44
You searched for Progressive SR-22 insurance in Florida because you need to reinstate your license after a DUI suspension. Florida doesn't use SR-22 certificates for DUI offenses — the state requires FR-44 filing under Florida Statutes § 324.023, with substantially higher liability limits than standard SR-22 states. Progressive writes FR-44 policies in Florida and files electronically with DHSMV, but the coverage requirements and costs differ from what national SR-22 guides describe.
The confusion is structural: Florida is one of only two states (with Virginia) requiring FR-44 instead of SR-22 for DUI-related financial responsibility proof. The FR-44 mandates $100,000 per person, $300,000 per accident bodily injury liability, and $50,000 property damage — ten times higher than Florida's standard minimum property damage requirement of $10,000. Progressive sells both standard liability policies and FR-44-certified policies, but only the FR-44 product satisfies DHSMV reinstatement conditions after DUI suspension.
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Get Your Free QuoteFlorida FR-44 Liability Minimums
$100,000/$300,000/$50,000
FR-44 requires 100/300/50 liability limits versus Florida's standard 10/10 PIP/property minimums. This is the statutory floor under F.S. 324.023 — you cannot reinstate with lower limits, and Progressive's FR-44 quotes reflect this non-negotiable baseline.
Florida Statutes § 324.023
Progressive FR-44 Premium Cost in Florida
Progressive FR-44 premiums in Florida typically range from $180 to $320 per month for drivers with a single DUI conviction and clean records otherwise. The FR-44 filing itself does not carry a separate fee — the cost difference comes entirely from the higher liability limits Progressive must carry on the policy. A standard Florida liability policy with 10/20/10 limits might cost $85 to $140 per month; the FR-44's 100/300/50 requirement doubles or triples that base premium.
Your actual quote depends on factors Progressive underwriting evaluates: your age, county of residence, violation history beyond the triggering DUI, whether you own a vehicle or need non-owner FR-44, and how long ago the DUI occurred. Progressive considers drivers with DUI convictions in the past three years high-risk and assigns them to non-standard underwriting tiers. Miami-Dade, Broward, and Palm Beach County drivers face the highest premiums statewide due to population density and claims frequency. Estimates based on available industry data; individual rates vary by driving history, vehicle, coverage selections, and location.
Progressive does not offer payment-plan discounts for FR-44 policies in Florida. The three-year FR-44 filing period means you will maintain this policy and premium level for 36 months after reinstatement — the filing cannot be cancelled early without triggering automatic license re-suspension by DHSMV.
Cancelling FR-44 before the three-year period ends triggers automatic DHSMV license suspension within 48 hours of Progressive's electronic cancellation notice — no grace period exists.
Progressive FR-44 Filing Process in Florida
Purchase the FR-44 policy directly through Progressive's online quote tool, by phone at 1-800-776-4737, or through a Florida-licensed independent agent who writes Progressive. You must disclose the DUI conviction and explicitly request FR-44 filing when obtaining the quote — Progressive's standard liability policies do not automatically include FR-44 certification. The policy effective date determines when Progressive transmits the FR-44 filing to DHSMV; if you purchase coverage but select a future effective date, the filing will not reach DHSMV until that date arrives.
Progressive submits the FR-44 electronically within 24 hours of policy activation. DHSMV processes electronic filings within one to three business days. You can verify receipt by checking your DHSMV driving record online at flhsmv.gov or calling the DHSMV reinstatement unit at 850-617-2000. Do not attempt reinstatement before confirming DHSMV shows the FR-44 on file — presenting proof of purchase without confirmed filing will delay your reinstatement appointment and you will pay the $45 reinstatement fee twice if you return before the filing clears.
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Non-Owner FR-44 Through Progressive
Progressive offers non-owner FR-44 policies in Florida for suspended drivers who do not currently own a vehicle but need to satisfy DHSMV's FR-44 requirement for reinstatement. Non-owner FR-44 provides the required 100/300/50 liability limits and DHSMV filing without insuring a specific vehicle. This is the correct product if you sold your car after suspension, rely on public transit or rideshare, or drive vehicles owned by family members or employers occasionally.
Non-owner FR-44 premiums through Progressive typically cost $120 to $220 per month in Florida — roughly 30% less than standard owner policies with FR-44, because Progressive assumes lower exposure without a titled vehicle. The non-owner policy does not cover vehicles you own, vehicles titled in your name, or vehicles available for your regular use. If you purchase a vehicle during the three-year FR-44 period, you must convert the non-owner policy to a standard owner policy or Progressive will cancel the FR-44 filing and DHSMV will re-suspend your license.
Non-owner FR-44 satisfies the same DHSMV filing requirement as owner policies. There is no reinstatement disadvantage to using non-owner coverage — DHSMV does not distinguish between owner and non-owner FR-44 filings in its electronic tracking system. Progressive's non-owner FR-44 filing transmits through FITS identically to standard policies.
Florida FR-44 Filing Duration
3 years
Florida requires continuous FR-44 filing for three years from the reinstatement date, not the conviction date. Cancelling coverage before the three-year period ends triggers automatic suspension. Progressive and DHSMV both track this period electronically — no manual renewal notices are sent.
Florida Statutes § 324.023(2)
Hardship License and Progressive FR-44
Florida allows DUI offenders to apply for a Business Purpose Only License (hardship license) after serving the mandatory hard suspension period: 30 days for a first DUI, 90 days for a second DUI within five years, or one year for a third DUI. Progressive FR-44 coverage is required before DHSMV will issue the hardship license — you cannot apply for hardship eligibility without proof of active FR-44 filing already on record with DHSMV.
The hardship application process requires proof of DUI school enrollment, payment of the $12 DHSMV hardship application fee, proof of hardship (employment verification, school enrollment, or medical necessity), and confirmation that Progressive has filed FR-44 with DHSMV. Most applicants must also install an ignition interlock device on any vehicle they will drive during the hardship period. Progressive's FR-44 policy does not cover ignition interlock installation or monitoring costs — budget separately for $70 to $150 per month in IID fees paid directly to the device vendor.
Compare Progressive to Other Florida FR-44 Carriers
Progressive is one of 12 carriers confirmed to write FR-44 policies in Florida as of current DHSMV records. Other carriers include State Farm, GEICO, Nationwide, Acceptance Insurance, Bristol West, Dairyland, The General, Infinity, Kemper, National General, and USAA (military-eligible only). Progressive's premiums fall in the middle of the market — Acceptance, Bristol West, Dairyland, and The General typically quote lower for high-risk DUI drivers, while State Farm and Nationwide often quote higher but offer better claims service and financial stability ratings.
Progressive's advantage is online filing speed and 24/7 policy service. You can purchase FR-44 coverage, receive electronic confirmation, and verify DHSMV filing status entirely online without calling an agent. Carriers like Acceptance and Bristol West often require phone application for FR-44 policies. If you need same-week reinstatement and have straightforward underwriting, Progressive's digital process is the fastest path to active FR-44 filing. If your DUI involved aggravating factors (high BAC, accident with injury, refusal to test, prior DUI within ten years), expect Progressive to decline or quote premiums above $400 per month — in those cases, non-standard specialists like The General or Acceptance will quote more competitively.